| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | OPTIMED - NATIONWIDE SPECIALTY INS COMPANY | $51K | — | $51K | 14.00% |
| DONALD GLENN3 | 2455 FAIRWAY DR MOUNTAIN ROCK, AL 35213 | OPTIMED - NATIONWIDE SPECIALTY INS COMPANY | $27K | — | $27K | 7.50% |
| LBA SERVICE LLC3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | OPTIMED - NATIONWIDE SPECIALTY INS COMPANY | $2K | — | $2K | 0.50% |
| GLENN H DONALD JR3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $25K | — | $25K | 13.39% |
| LAKESHORE BENEFIT ALLIANCE LLC3 | 700 37TH ST S BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 1.68% |
| GLENN H DONALD JR3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $18K | — | $18K | 13.17% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE,LLC | 700 37TH ST S BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.54% |
| GLENN H DONALD JR3 | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 13.12% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE, LLC | 700 37TH ST S BIRMINGHAM, AL 35222 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.52% |
| GLENN H DONALD JR3 Filed as: GLENN DONALD, JR | PO BOX 530464 BIRMINGHAM, AL 35253 | CANOPY INSURANCE CORP | $2K | — | $2K | 4.95% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH ST S BIRMINGHAM, AL 35222 | CANOPY INSURANCE CORP | $2K | — | $2K | 4.95% |
| LAKESHORE BENEFIT ALLIANCE LLC3 Filed as: LAKESHORE BENEFIT ALLIANCE | 700 37TH STREET SOUTH BIRMINGHAM, AL 35222 | NATIONAL GUARDIAN LIFE | $1K | — | $1K | 5.00% |
| GLENN H DONALD JR3 Filed as: GLENN H DONALD, JR. | P.O. BOX 530464 BIRMINGHAM, AL 35253 | NATIONAL GUARDIAN LIFE | $1K | — | $1K | 5.00% |
| JT BENEFITS LLC3 | 262 YEAGER PKWY PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | — | $152 | 1.88% |
| C&J BENEFITS AGENCY LLC3 | 123 HILLTOP BUSINESS DRIVE PELHAM, AL 35124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 1.20% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.36% |
| LISA MARIE HALL3 | 113 WOODBERRY CROSSETT, AR 71635 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.32% |
| KRISTEN BIBLE3 | 5461 TRALEE PLACE RALEIGH, NC 27609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.26% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 411 | $2.1M |
| Dental | CANOPY INSURANCE CORP | 167 | $46K |
| Vision | NATIONAL GUARDIAN LIFE | 166 | $28K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 400 | $195K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 399 | $94K |
| Long-term disability | STANDARD INSURANCE COMPANY | 400 | $138K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 392 | $1.7M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 392 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.